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Dublin sits in one of the Tri-Valley's strongest rental corridors. Investors here compete for properties that cash flow from day one.
DSCR loans were built for this market. The property's rent covers the debt — your W-2 or tax return stays out of it.
620–680
Min Credit Score
1.0–1.1
Min DSCR Ratio
20–25%
Down Payment
Non-QM
Loan Type
None
Income Docs Required
DSCR Loans in Dublin
Lenders calculate your DSCR by dividing monthly rent by monthly debt. A ratio of 1.0 means the rent exactly covers the payment. Most lenders want 1.1 or higher.
Expect a minimum 620–680 credit score depending on the lender. Down payment requirements typically start at 20–25% for investment properties.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Dublin.
Dublin sits in one of the Tri-Valley's strongest rental corridors. Investors here compete for properties that cash flow from day one.
DSCR loans were built for this market. The property's rent covers the debt — your W-2 or tax return stays out of it.
Lenders calculate your DSCR by dividing monthly rent by monthly debt. A ratio of 1.0 means the rent exactly covers the payment. Most lenders want 1.1 or higher.
DSCR is a non-QM product. Retail banks rarely offer it. You need a broker with wholesale access to lenders who actually specialize in investor financing.
SRK CAPITAL works with 200+ wholesale lenders. That means we can shop DSCR programs across rate sheets most investors never see.
The number that kills most DSCR deals in Dublin? Vacancy assumptions. Some lenders underwrite at 75% of market rent. Know that before you run your numbers.
Short-term rental income — Airbnb, VRBO — gets treated differently by every lender. Some accept it with 12 months of platform history. Others won't touch it.
Bank Statement loans work when you have strong self-employment income but a thin rental history. DSCR works when the property cash flows but your personal returns look light.
Hard Money moves faster and asks fewer questions — but the rates and fees are significantly higher. DSCR is a long-term hold product. Hard Money is not.
Dublin's proximity to BART and major tech employment keeps rental demand consistent. That helps DSCR underwriting — stable rents reduce lender risk concerns.
Alameda County property taxes run close to 1.25% of assessed value. Factor that into your monthly debt obligation when calculating your DSCR before applying.
Most lenders want a DSCR of 1.1 or higher. Some programs allow 1.0, but expect tighter terms and a higher down payment.
Yes — lenders typically accept a market rent appraisal. The appraiser provides a rent schedule that the lender uses to calculate your DSCR.
No. You can close in your personal name. Some lenders allow LLCs, but not all — this varies by program.
HOA dues get added to your monthly debt obligation. A high HOA can push your DSCR below 1.0 even when rent looks strong.
Yes. DSCR is a non-QM product, so rates run higher than conventional investor loans. Rates vary by borrower profile and market conditions.
Some lenders allow it with 12 months of documented STR income. Others underwrite at long-term market rent regardless of your Airbnb history.